In courtrooms, attorneys tell jurors about the duty of insurers to protect consumers from higher premiums wrought by fraudulent claims. No matter what your background or perspective, that’s hard to disagree. I’ve just completed 32 years of legal practice, and often spoke those words to judges and juries. The “real world” of denying an insurance claim for fraud, however, is far different. Insurers make mistakes, and should pay a fair price for missteps. Yet denying a claim — even for insurance fraud — is never the easy way out.